Since its founding in 2014, Virraj has overseen Pockit’s growth from a few dozen members to hundreds of thousands across the UK, and from a prepaid card to a fully-fledged digital current account – replete with intelligent features, fair pricing, and unique solutions for the unbanked and financially excluded.

The firm has three offices spread across London and Poland, and is growing at a rate of 10,000 new customers per month.

He forms part of the second generation of the Lornamead Group, a multinational company in the cosmetics and personal care space. After several successful exits between 2010-11, the group was sold to Hong Kong conglomerate Li & Fung in December 2012.